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Home & Renters Insurance FAQs

Find answers to common questions about home and renters insurance, including what coverage includes, what’s not covered and how policies work.

What's on your mind?

Renters insurance is designed to help protect your belongings and provide liability coverage if something unexpected happens.

Coverage typically includes:

  • Personal property coverage for your belongings

  • Liability protection if someone is injured in your rental

  • Medical payments to others

Learn more about renters insurance coverage.

No, standard home insurance policies do not cover flood damage.

Flood insurance is typically available through the National Flood Insurance Program (NFIP). COUNTRY Financial can help you explore coverage options if your home qualifies.*

Your deductible is the amount you’re generally responsible for paying each time you have a covered claim on your home. You choose your deductible when you purchase your policy and can change it by calling your COUNTRY Financial® representative or 866-COUNTRY (866-268-6879). Your insurance costs will be lower with a higher deductible, but your costs at claim time will be higher.

Coverage for damage from sump pump overflow isn’t automatically included on the basic home policy. However, you can add sump pump failure and/or back-up of sewer or drain coverage to your COUNTRY Financial home policy. Contact your representative for more details for details on cost and availability.

If a tree falls on your home due to a covered event like wind:

  • The policy may cover removing the tree from the structure

  • Coverage may include up to $500 for debris removal

Home insurance typically does not cover replacing the tree itself.

Identity theft coverage is not automatically included but can be added to your home policy.

This coverage may include:

  • Reimbursement for expenses related to identity theft

  • Access to advocacy services to help restore your identity

  • Credit monitoring and follow-up support

Contact your COUNTRY Financial representative to explore this option.

You’ll need to file a claim before a claims adjuster can inspect your roof.

To get started:

Learn more about the process in the Claims Support Center.

Who you hire to do repair work on your home is your choice, and we usually recommend you ask family and friends for referrals. However, COUNTRY Financial would also be happy to provide you with names of contractors.

Yes, but upgrades are not covered by your policy.

Your claim estimate will reflect the cost to repair or replace items with similar materials. If you choose to upgrade, you’ll be responsible for the difference in cost.

Landlord insurance is designed for property owners who rent out their homes or units.

Coverage may include:

  • Property protection for the building

  • Liability coverage

  • Loss of rental income

  • Limited personal property coverage

Learn more about landlord insurance.

If you own rental property, landlord insurance can help protect you from financial risks such as:

  • Property damage

  • Liability claims

  • Lost rental income

This applies to both long-term rentals and short-term or vacation rentals.

Bundle home and auto insurance with us to save. You can add other products to save even more. Plus, you'll benefit from having all your policies in one place, making managing and tracking your coverage easier.  Ask your agent what other products qualify.

Learn about our Multi-Policy Discount.

Standard home insurance policies typically do not cover:

  • Flood damage

  • Earthquake damage

  • Normal wear and tear

  • Pest or rodent damage

  • Maintenance-related issues

Additional coverage or separate policies may be available for some of these risks.

The amount of renters insurance you need depends on the value of your belongings and your personal risk tolerance.

A good starting point is to:

  • Create a home inventory of your belongings

  • Estimate the total value of your items

  • Choose coverage limits that reflect that value

Your representative can help you determine the right level of coverage.

In many cases, yes. Renters insurance may cover personal belongings even if they are stolen outside your home, such as from your car or while traveling.

Coverage depends on your policy terms and limits.

Home insurance may cover certain types of water damage, such as sudden or accidental issues like a burst pipe.

However, it typically does not cover:

  • Flooding

  • Gradual leaks

  • Poor maintenance

Coverage depends on the cause of the damage and your policy details.

Renters insurance is not usually required by law, but many landlords require it as part of a lease agreement.

Even when it’s not required, renters insurance can help protect your belongings and provide liability coverage.

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

For product and service information, read our Terms & Conditions. Read our full Financial Services Handbook.

*Flood insurance policies are offered through CC Services, Inc., from various third-party carriers not affiliated with COUNTRY Financial®, in accordance with the National Flood Insurance Program. The issuing carrier is responsible for all claims determination as well as claims paying ability. For more information about CC Services, Inc., read the License and Name Information in our full Terms & Conditions.